UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


         Date of Report (Date of earliest event reported): July 26, 2006
                                                           -------------

                        NEW YORK COMMUNITY BANCORP, INC.
                        --------------------------------
             (Exact name of registrant as specified in its charter)


           Delaware                      1-31565                 06-1377322
------------------------------        -------------         --------------------
 (State or other jurisdiction          (Commission            (I.R.S. Employer
     of incorporation or               File Number)          Identification No.)
        organization)


                  615 Merrick Avenue, Westbury, New York 11590
                  --------------------------------------------
                    (Address of principal executive offices)


                                 (516) 683-4100
                                 --------------
              (Registrant's telephone number, including area code)

                                 Not applicable
                                 --------------
          (Former name or former address, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[ ]  Written communications pursuant to Rule 425 under the Securities Act (17
     CFR 230.425)
[ ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12)
[ ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))
[ ]  Pre-commencement communications pursuant to Rule 13e-4c under the Exchange
     Act (17 CFR 240.13e-4(c))





                           CURRENT REPORT ON FORM 8-K
                           --------------------------


ITEM 2.02:     Results of Operations and Financial Condition
               ---------------------------------------------

               On July 26, 2006, New York Community Bancorp, Inc. (the
               "Company") issued a press release reporting its earnings for the
               three and six months ended June 30, 2006. A copy of the press
               release is attached as Exhibit 99.1 to this report.

ITEM 7.01:     Regulation FD Disclosure
               ------------------------

               On July 26, 2006, the Company announced that its Board of
               Directors declared a $0.25 per share dividend, payable on August
               15, 2006 to shareholders of record at August 4, 2006. The
               announcement was included as part of the earnings release issued
               by the Company on July 26th and is incorporated into this Item
               7.01 by reference to Exhibit 99.1 (but only with respect to the
               information contained in Exhibit 99.1 regarding the announcement
               of the dividend declaration, and not with respect to any
               information furnished under Item 2.02 of this Form 8-K.)

ITEM 9.01:     Financial Statements and Exhibits
               ---------------------------------

          (c)  Attached as Exhibit 99.1 is a press release issued by the Company
               on July 26, 2006 reporting its earnings for the three and six
               months ended June 30, 2006.





                                    SIGNATURE


     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

Date:  July 26, 2006                       NEW YORK COMMUNITY BANCORP, INC.
       -------------

                                           /s/ Joseph R. Ficalora
                                           -------------------------------------
                                           Joseph R. Ficalora
                                           President and Chief Executive Officer





                                  EXHIBIT INDEX
                                  -------------

Exhibit 99.1      Press release issued on July 26, 2006.